Falling sick or getting injured overseas can be a nightmare — not only are you in an unfamiliar environment, but the medical bills can be financially overwhelming. That’s why insurers emphasize medical coverage before anything else.
Within this section, you’ll usually find important sub-coverages such as:
- Emergency Medical Evacuation – In the event of a medical emergency due to an Accident or Sickness occurring during Your trip, an emergency medical transport or evacuation will be arranged to the nearest medical facility that is adequately equipped to provide the necessary treatment.
- Emergency Medical Repatriation – In the event that You are hospitalised due to an Accident or Sickness during Your trip and it is deemed medically necessary, You will be repatriated to the nearest hospital at Your usual place of residence in Malaysia to continue treatment.
- Mortal Remains Repatriation – In the event of Your death due to an Accident or Sickness during the trip, the repatriation of Your mortal remains will be organised to Your Home. The process of burial, embalming, basic casket are covered if it is mandated by legislation or regulation.
Other benefits you may find bundled under Medical Expenses include:
- Compassionate Visit – Reimbursement for the travel and accommodation expenses of an Immediate Family Member to visit and stay with You if you are hospitalised abroad.
- Child Care Benefit – Reimbursement for the travel expenses incurred to accompany Your Child/Children back to Malaysia if there is no one to look after them while You are hospitalised.
- Hospital Allowance – A cash allowance payable for every full day of hospital admission overseas.
🚫 Exclusions You Should Know
Just as important as the benefits are the Exclusions — situations where the insurer is not liable to pay. Always read the Policy Wording carefully so you know what’s not covered.
Here are some exclusions under Tune Protect’s Travel Easy plan:
- Medical care that isn’t prescribed by a licensed physician or provided in a recognised hospital.
- Losses directly or indirectly caused by:
- Civil or foreign war (declared or undeclared)
- Drugs, medication, or treatment not prescribed by a physician
- The influence of alcohol above the legal driving limit
- Suicide, attempted suicide, or self-inflicted injuries
- Participation in competitions involving motorised land, water, or air vehicles
For the complete list of exclusions, always refer to the official Policy Wording.
Final Thoughts
Understanding the medical expenses coverage in your travel insurance is crucial before you set off on your journey. While the benefits like medical evacuation, repatriation, and hospital allowances provide strong financial protection, exclusions play an equally important role in shaping what is and isn’t covered.
Before you travel, always review your Policy Wording carefully so you’re aware of the scope of protection.
Another key point to note is the option for cashless hospital admission. This benefit often comes with an additional premium, but it can provide great peace of mind — you won’t need to settle large hospital bills upfront and wait for reimbursement from the insurer. Instead, the insurer issues a Guarantee Letter (GL) directly to the hospital. To be prepared, save the emergency assistance hotline number in your phone so you can quickly request a GL if the need arises.
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